Liquidity+ invests your money in money market funds. This allows you to benefit from current interest rates—without losing your flexibility.
Your Liquidity+ account grows with current interest rates. By investing your savings in a portfolio of low-risk, short-term money market instruments like government bonds, you can benefit of elevated interest rates without losing your flexibility.
Once your account is open, we select the best money market funds out there, monitor them, and replace them when necessary. You can make and adjust savings plans, and withdraw your money at any time.
Liquidity+ is for anyone who no longer wants to lose purchasing power due to low bank interest rates. If you are looking for a short-term form of investment, your money is already earmarked for a property or other purchases, or simply want to take a step against the loss of purchasing power, Liquidity+ could make sense for you.
Benefit from the current interest rate level through money markets and take a step against the loss of purchasing power.
Our team of investment experts actively manages your portfolio, allowing you to focus on other things.
Deposit & withdraw flexibly at any time - Unlike fixed-term deposit accounts, Liquidity+ has no time limit.
We charge an all-inclusive fee of 0.5 % p.a. (plus product costs of 0.12%).
Please note that capital investments also carry risks, such as price, liquidity, interest rate, credit, or currency risks. For more information on risk warnings, please find more information on risk here.
The following table shows the historical annual performance of Liquidity+ before fees and withholding tax (KESt).
Source: Own data. Historical data is not an indicator of future performance. Capital investments carry risks.
A money market fund invests in highly liquid, near-term instruments. These instruments include cash, cash equivalent securities, and high-credit-rating, debt-based securities with a short-term maturity (such as government bonds). Money market funds are intended to offer investors a yield with full liquidity and with a very low level of volatility (fluctuations). In the current environment, this makes money markets an ideal product for money that one might need for something else soon.
After many years without any interest, central banks have started to raise interest rates aggressively since July of 2021, to fight inflation. One would expect banks to pass on this interest to their clients, but unfortunately, most refuse to do so. Because of high inflation, keeping too much cash in a savings account today is even more wealth destructive than it was before. Therefore, for those that want to protect their wealth against inflation, but don’t want to expose their money to volatile assets, money markets is a good solution. Additionally, it is important to realize that cash accounts in banks are only insured up to 100.000 EUR. In money markets, your funds will always be yours if your bank goes bankrupt, also if the amount is over 100.000 EUR.
Because banks are refusing to pay fair interest on savings accounts. Our purpose is to help as many people as possible to obtain financial freedom, which we do in every possible way we can. While our focus is on long-term investing, letting the banks keep the interest rates that you deserve is unacceptable. As a solution, we independently select the best money market funds out there for our clients, taking important aspects like costs and liquidity into consideration.
Since money market funds aren’t part of our regular product universe, please reach out to our support team if you would like to open an account. Opening a money markets account won’t require any extra effort, and should only take a 15 minute process, just like our normal onboarding.
Because managing the money markets fund requires less effort, we can offer this at a better price. We charge an all-in fee of 0.5 %.